SAFE & SOUND® STAR RATINGS

Financial statement

BAILEYVILLE STATE BANK
611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$40,184$38,547$35,918
Loans Receivable, Net21,63020,44821,067
Mortgage-Backed Securities5,0013,4723,448
Investments11,49213,0269,817
Deposits32,43932,10530,157
Borrowings4,4882,4272,249
Equity3,1943,6843,295
Net Interest Income1,1521,2701,325
Fee Income564856
Overhead1,0451,0411,063
Net Operating Income150269191
Net Income144256199
Ratio Analysis Profitability%%%
Return on Assets *0.370.670.54
Operating Return on Assets *0.390.700.52
Return on Equity *4.297.206.62
Net Interest Margin *3.093.443.84
Fee Income / Assets *0.140.130.15
Overhead / Assets *2.692.712.90
Efficiency Ratio85.8779.7776.42
Asset Quality%%%
Nonperforming Assets / Assets1.091.771.07
Nonperforming Assets / Equity & Loss Reserves12.8116.9810.71
Loss Reserves / Nonperforming Loans383.0550.441.47
1-4 Fam Mtg + MBS / Assets25.6522.3522.10
Commercial Real Estate Loans / Assets2.001.421.58
Construction Loans / Assets4.354.317.09
Commercial & Industrial Loans / Assets10.039.196.85
Consumer Loans / Assets2.152.712.87
Capitalization%%%
Equity / Assets7.959.569.17
Tangible Capital / Tangible Assets7.959.569.17
Risk-based Capital Ratio15.1615.7514.29
Liquidity%%%
Loans / Deposits66.6863.6969.86
Non-Interest Bearing Deposits / Deposits12.3412.7111.76
Purchased Liabilities12.427.1812.64

* Calculations are based on the latest four quarters of income and expense.
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